Figo | Pet Insurance Review

4.2

out of 5

Number of reviews 2,594

  Figo offers customizable coverage built for millennial pet parents. Pick from one of their three comprehensive plans, then add powerups like Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack. They’re the only pet insurance company to offer up to 100% reimbursement, so big vet bills won’t break the bank. Figo customers have exclusive access to the Figo Pet Cloud app, including features like a 24/7 Virtual Vet and easy mobile claim filing. No pet insurance company covers pre-existing conditions, but Figo is the only one who will help you identify those conditions at the start of your policy. If you don’t think you’ll get value out of pet insurance after your initial review, just cancel within 30 days of signing up to get your money back.
5

out of 5

POSTED: | BY: Michael Max

I wish my own health insurance was as…

I wish my own health insurance was as good as my dog's! Figo has been a literal life saver and enhancer for my dog with Irritable Bowel Disease. Because of his policy, we have been able to seek treatment from some of the best vets out there, including Internal Med specialists and a vet nutritionist. With the support of his medical team, we have been able to manage his symptoms extremely effectively and he now rarely has flare ups. Don't know if we would ever be where we are today without the support of his medical team, which has only been financially possible because of Figo.
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5

out of 5

POSTED: | BY: Monique Hazlewood

Figo was there when we needed them

When our Pug puppy became ill with a hospital-involving visit, Figo was very quick to reimburse our claims. Customer service is very, very good. We just renewed for a second year and plan to be a customer for many years to come.
5

out of 5

POSTED: | BY: Mariah

AMAZING!

I cannot say enough great things about Figo! My pup and I are so happy that we found this company. The Figo representatives are so kind and respond quickly. Coverage is incredible, and I sleep better at night knowing that my pet is safe. Thank you, Figo!
5

out of 5

POSTED: | BY: Jessie Brown

Easy and useful

Figo is super easy to use and has been very useful.
5

out of 5

POSTED: | BY: Katherine Jacob

THE BEST Pet insurance!!

My dog Dash has had 4 claims in his 2 years of life and Figo has been awesome with the claims process each time. Easy to submit and super fast reimbursement.
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Monthly Cost

$9 to $135 on average depending on chosen plan.

Coverage

You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.

Deductible

$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.

Age Limits

Must be 8 weeks or older to enroll. No upper age limits apply.

Waiting Period

1-day for accidents, 14 days for illnesses, 6 months for hip dysplasia and orthopedic conditions. (Both hip dysplasia and orthopedic condition waiting periods can be waived by having exam/waiver form completed by veterinarian)

Exclusions

Curable pre-existing conditions may be eligible for coverage if symptom free for 12 months Conditions arising from a repetitive and specific activity, eg. Ingestion foreign object, ear infection caused by water, snake bites, etc. – excluded after 3 occurrences We now have a wellness option We have a diminishing deductible Copay & deductible waived for emergency life-saving treatment (in the case of an accident, not illness)
Figo Pet Insurance detail
Figo is committed to helping pets and their families enjoy their lives together. Figo’s cloud-based pet healthcare offering features everything pet owners need to manage their pet’s everyday lives, including coverage and medical claim information, digital pet tags and the latest lost and found technology. Any claims are reimbursed directly into your account using ACH. With three flexible pet insurance plans to choose from, owners can customize their reimbursement percentage and annual deductible, and Figo provides up to 100% coverage with unlimited annual medical benefits.
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